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珍猪冰橙汁 · 2021年12月21日

老师，有点没明白这里为什么是FV=0，算PV呢？

  1. CFA I
  2. Quantitative

NO.PZ2015120604000011

问题如下：

An investor purchased an annuity many years ago. The first payment of the annuity is to be received today. Assume the payment of the annuity is $5,000 constanly , the period the payment is 20 years. and the discount rate is 12%, calculate the today' value of the annuity:

选项：

A.

$37,347.

B.

$403,493.

C.

$41,829.

解释：

C is correct.

Under the BGN mode.

N = 20; PMT = -5,000; I/Y =12; FV = 0; CPT PV = 41,828.89.

老师，有点没明白这里为什么是FV=0，算PV呢？calculate the today' value of the annuity难道不是算年金的今天的价值嘛？

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1 个答案

星星_品职助教 · 2021年12月21日

同学你好，

calculate the today' value of the annuity就是算年金的今天的价值，“today”就是0时点，所以是求present value（PV）。

如果是要求计算年金将来的价值，则是计算FV。

如果还有疑问，可以后续追问或者评论。



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